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Only in America: Cigar Fire Insurance Claim & Arson Story - Global Village Clipping

Scanned magazine page, a weekly Only in America column with multi-column prose text.

AI caption · Photo 61 of 4391

This document is not an automotive reference at all. It is a scanned clipping from a column titled "global village – a weekly posting from cyberspace," under the heading "Only in America." It relates a well-known humorous anecdote (a widely circulated urban legend) about a man from Charlotte, North Carolina, who insured a case of expensive cigars against fire, smoked them all, and then filed an insurance claim stating the cigars were lost "in a series of small fires." When the insurer refused to pay, the man sued and won: the judge ruled that because the policy warranted the cigars insurable against fire without defining "unacceptable fire," the company had to pay. The insurer paid $15,000 rather than appeal. After the man cashed the cheque, the company had him arrested on 24 counts of arson; using his own claim and testimony against him, he was convicted and sentenced to 24 months in jail and a $24,000 fine. The document contains no vehicle information, fuse data, wiring, part numbers, or specifications relevant to a 1968 Ford Mustang or any other vehicle.

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Frequently asked questions

What is the 'Only in America' cigar insurance story?
A man from Charlotte, North Carolina insured a case of expensive cigars against fire, smoked them all within a month, and filed a claim saying the cigars were lost 'in a series of small fires.'
Did the man win his lawsuit against the insurance company?
Yes. The judge said the claim was frivolous but ruled the policy warranted the cigars insurable against fire without defining 'unacceptable fire,' so the company had to pay $15,000.
What happened after the man cashed the insurance cheque?
The insurance company had him arrested on 24 counts of arson. Using his own insurance claim and prior testimony against him, he was convicted of intentionally burning his insured property.
What sentence did the man receive?
He was sentenced to 24 months in jail and a $24,000 fine.

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